Saturday 17 October 2026 Export CHCO’s income statement to Excel — free account

City Holding Company

City Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $399.0 million, up 5.06% from fiscal 2024. In the quarter to June 2026, revenue grew 1.16%, EPS grew 2.62%, free cash flow grew 19.2% and total debt was flat, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for three; insiders bought in the last twelve months.

141.69 0.75 +0.53%

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Market cap: $2.0B
P/E: 15.5×
Fwd P/E: 14.0×
Dividend yield: 2.55%
F-score: 9/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.21

Total sells 2.81

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	5	4	1	—	4	—	—	—
Sell	2	—	—	1	—	3	5	—	1	1	—	—

Insider Ownership 1.96%

Capital & Financial Ratios $m

Market Cap 1,980.00

Revenue 402.42

Net Income 131.79

Free Cash Flow 139.78

Net Debt (117.20)

Current Ratio 0.83

Debt/Equity 0.19

P/E ratio 15.50

Fwd P/E 14.00

P/S ratio 4.95

P/B ratio 2.46

Past 5Y EPS Growth 9.98%

This Y EPS Growth 3.89%

Next Y EPS Growth 4.13%

Next Y revenue growth (17.69%)

Next 5Y EPS Growth 5.38%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 63.07%

10-year low 10-year high

P/S against its own 10 years 54.55%

10-year low 10-year high

P/B against its own 10 years 91.74%

10-year low 10-year high

Dividends

Payout Ratio 0.40

Annual Dividend Rate 3.61

Annual Dividend Yield 2.55%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	3.61	0.87 0.87 0.87 1.00
2025	3.24	0.79 0.79 0.79 0.87
2024	2.94	0.72 0.72 0.72 0.79
2023	2.67	0.65 0.65 0.65 0.72
2022	2.45	0.60 0.60 0.60 0.65
2021	2.32	0.58 0.58 0.58 0.58
2020	2.28	0.57 0.57 0.57 0.57
2019	2.16	0.53 0.53 0.53 0.57
2018	1.91	0.46 0.46 0.46 0.53
2017	2.19	0.43 0.44 0.44 0.44 0.44
2016	1.71	0.42 0.43 0.43 0.43

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	156	225	192	267
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,280	4,499	4,700	4,770

	2023	2024	2025	Q'26
Payables	4,934	5,144	5,301	5,340
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,269	5,470	5,669	5,718

Compound Annual Growth %

	10y	5y	3y
Sales	7.46%	8.86%	15.08%
Cash Flow	10.62%	7.91%	4.29%
Earnings	9.20%	7.81%	8.87%
Book Value	6.80%	2.92%	11.90%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	98	101	—	—	—
’25	96	100	102	101	399
’24	92	95	98	95	380
’23	80	88	88	86	342
’22	57	61	69	75	262
’21	58	58	60	60	235
’20	82	59	60	60	261

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	38	33	—	—	—
’25	32	28	37	34	131
’24	32	28	38	34	132
’23	40	27	37	34	138
’22	28	17	36	34	116
’21	19	21	33	29	102
’20	23	27	12	27	90

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	37	33	—	—	—
’25	31	28	36	34	128
’24	32	28	37	33	129
’23	39	27	36	33	135
’22	28	16	36	34	114
’21	18	20	33	28	99
’20	20	27	12	27	85

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	2.20	2.35	—	—	—
’25	2.06	2.29	2.41	2.18	8.93
’24	1.97	1.96	2.02	1.94	7.89
’23	1.63	2.16	1.98	1.84	7.61
’22	1.41	1.51	1.83	2.05	6.80
’21	1.25	1.41	1.47	1.54	5.66
’20	1.78	1.12	1.25	1.40	5.55

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	40.74	58.80	64.32	66.63	53.06	68.28	73.40	82.53	97.50	102.22	Analyst estimates 2026–2028 Powerpack
	High	68.89	74.90	83.27	83.07	82.72	88.49	103.00	115.89	137.28	133.59
People
People	Employees	847	839	891	918	926	905	929	973	963	950
	Revenue/emp, $m	0.23	0.25	0.25	0.29	0.28	0.26	0.28	0.35	0.39	0.42
Income, $m
Income, $m	Revenue	191	207	224	266	261	235	262	342	380	399
	Gross margin, %	93.08	91.86	88.55	86.35	90.95	95.79	96.31	84.78	77.30	78.74
	EBT	77	91	88	113	111	111	127	143	145	161
	EBT margin, %	40.43	43.94	39.21	42.63	42.66	47.29	48.64	41.86	38.05	40.47
	Net income	52	54	70	89	90	88	102	114	117	130
	Depreciation	7	7	6	6	11	15	16	11	13	11
Per share, $
Per share, $	Revenue	12.82	13.40	14.56	16.32	16.33	15.29	17.63	23.00	25.88	27.57
	Earnings	3.46	3.49	4.50	5.43	5.55	5.67	6.81	7.62	7.91	8.94
	Cash flow	4.38	4.94	5.03	6.44	5.62	6.65	7.80	9.25	8.99	9.08
	Capex	(0.31)	(0.23)	(0.41)	(0.25)	(0.32)	(0.19)	(0.13)	(0.18)	(0.18)	(0.20)
	Free cash flow	4.07	4.71	4.62	6.19	5.30	6.46	7.67	9.07	8.81	8.88
	Book value	29.69	32.60	38.96	40.33	43.89	44.28	38.92	45.54	49.79	55.94
	Shares, m	15	15	15	16	16	15	15	15	15	14
Valuation, ×
Valuation, ×	P/E	19.46	19.17	14.99	15.09	12.51	14.43	13.57	14.64	15.00	13.33
	P/S	5.25	4.99	4.64	5.02	4.26	5.35	5.25	4.84	4.58	4.32
	P/B	2.27	2.05	1.74	2.03	1.58	1.85	2.38	2.45	2.38	2.13
	EV/Sales	5.21	4.94	4.29	4.51	2.27	2.69	4.52	4.68	4.38	4.22
	EV/FCF	16.42	14.04	13.52	11.90	6.99	6.38	10.40	11.86	12.87	13.10
Cash, $m
Cash, $m	Operating cash flow	65	76	78	105	90	102	116	138	132	131
	Capex	(5)	(4)	(6)	(4)	(5)	(3)	(2)	(3)	(3)	(3)
	Free cash flow	61	73	71	101	85	99	114	135	129	128
Balance, $m
Balance, $m	Working capital	(293)	(314)	(490)	(531)	(806)	(1,062)	(1,313)	(989)	(971)	(969)
	Total debt	81	70	44	4	296	312	291	100	150	150
	Net debt	(8)	(12)	(79)	(136)	(529)	(635)	(200)	(56)	(75)	(42)
	Shareholders’ equity	442	503	601	658	701	681	578	677	731	810
Returns, %
Returns, %	ROA	1.35	1.32	1.54	1.79	1.66	1.48	1.70	1.90	1.85	1.98
	ROIC	11.10	11.56	12.13	13.69	40.34	149.54	21.11	14.93	13.78	13.14
	ROE	12.10	11.37	12.57	14.07	13.18	12.62	16.06	18.23	16.64	16.94

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
NWBI Northwest Bancshares, Inc.	$2.2B	14.2×	10.3×	+18.20% (above 0%: growing)	+42.31% (above 0%: growing)	+538.73% (above 0%: growing)	75.69%	0.00%	Compare
EFSC Enterprise Financial Services Corporation	$2.2B	11.8×	11.1×	+1.34% (above 0%: growing)	−19.12% (below 0%: shrinking)	+15.23% (above 0%: growing)	75.04%	0.00%	Compare
SRCE 1st Source Corporation	$2.1B	12.3×	11.1×	+3.88% (above 0%: growing)	+29.14% (above 0%: growing)	+16.78% (above 0%: growing)	75.70%	0.00%	Compare
FCF First Commonwealth Financial Corporation	$2.0B	12.4×	11.1×	+1.44% (above 0%: growing)	+37.50% (above 0%: growing)	−98.48% (below 0%: shrinking)	74.84%	0.00%	Compare
TBBK The Bancorp, Inc.	$2.0B	9.2×	9.1×	−9.61% (below 0%: shrinking)	+14.06% (above 0%: growing)	−31.16% (below 0%: shrinking)	79.72%	0.00%	Compare
CHCO City Holding Company	$2.0B	15.5×	14.0×	+1.16% (above 0%: growing)	+2.62% (above 0%: growing)	+19.16% (above 0%: growing)	80.74%	0.00%
BLX Bladex Inc.	$1.9B	9.0×	8.9×	+3.74% (above 0%: growing)	+2.31% (above 0%: growing)	−117.11% (below 0%: shrinking)	43.99%	0.00%	Compare
GABC German American Bancorp, Inc.	$1.9B	13.2×	11.8×	+3.05% (above 0%: growing)	+21.43% (above 0%: growing)	+110.42% (above 0%: growing)	78.75%	0.00%	Compare
AVAL Grupo Aval Acciones y Valores S.A.	$1.9B	12.2×	—	+74.54% (above 0%: growing)	+30.00% (above 0%: growing)	+884.01% (above 0%: growing)	46.31%	0.00%	Compare
Median of peers	$2.0B	12.3×	11.1×	+3.40%	+25.29%	+16.01%	75.36%	0.00%

All 323 Banks Regional stocks →

City Holding Company (CHCO) key facts

Strength: City Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $399.0 million, up 5.06% from fiscal 2024.
Strength: Net income was $130.5 million, or $8.94 per share (basic), a net margin of 32.7%.
City Holding Company (CHCO) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CHCO traded at $141.69, a market capitalization of $2.0 billion.
At that price the stock trades at 15.5× trailing-twelve-month earnings and 4.9× sales; its P/E is higher than 63% of its own readings over the past ten years.
City Holding Company pays an annual dividend of $3.61 per share, a yield of 2.55%, with a payout ratio of 39.5%.
Return on equity was 16.9% and debt-to-equity 0.19.
Its Piotroski F-score is 9 out of 9 for fiscal 2025.